This Fixed Income Fund Delivered 21.6% as of 25th December 2025 Returns: Here's How Much You Need to Start 

With Kenyan investors increasingly looking for stable and predictable returns, fixed income funds are becoming a viable option.

Among the notable options in the market is the SanlamAllianz Fixed Income Fund, which offers a balance between income generation and capital preservation.

Fixed income funds work much like Money Market Funds (MMFs), they pool investors' money and earn income from interest-paying investments. The major difference with the fixed income fund is that it invests in assets that generate a predetermined stream of income, such as government bonds, corporate bonds and fixed deposits. This is where it gets the name “Fixed Income”. 

Also Read: All You Need to Know About the Sanlam Allianz Balanced Fund With a 32.3% Return 

SanlamAllianz Fixed Income Fund (KES)

The SanlamAllianz Fixed Income Fund (KES) fund was launched on November 18, 2014, and has grown to a portfolio size of approximately Ksh667 million as of May 2026.  

The fund seeks to provide unit holders long-term capital appreciation and high level of income by investing primarily in mid-long term government bonds, high-quality corporate bonds and money market securities.

This diversified approach ensures relatively stable returns while minimising exposure to extreme market fluctuations.

Some characteristics of the fund are as below:

• This is a low-medium risk fund

• This fund is suitable for the medium-risk investor who is seeking long-term growth through interest and capital appreciation from the investments.

• It is aimed at investors looking for a mixture of safety, income, and capital appreciation.

• Returns consist of an interest that is credited quarterly. It is recommended that the income be reinvested into the fund so as to maximise investment returns through compounded growth.

Also Read: All You Need to Know About SanlamAllianz Money Market Fund

As of May 2026, it recorded an Average Annualized return of 11.6%, positioning it as a competitive option within the medium-risk investment category.

The SanlamAllianz Fixed Income Fund provides an accessible entry point for investors seeking steady returns without taking on high levels of risk, with a minimum entry investment of Ksh2,500.

Additional contributions are flexible, with a minimum top-up of Ksh1,000 set.

This fund is ideal for moderate-risk investors looking for long-term capital appreciation and who want a structured investment plan over 3 to 5 years.

Returns are generated through capital gains and quarterly interest payouts, with investors encouraged to reinvest earnings to benefit from compounding growth over time.

Capital gains mean that when the price per unit bought increases, the value of your investment also grows. 

The fund charges an annual management fee of 2%.

The fund allows one free withdrawal every month, with any additional withdrawals within the same month attracting a fee of Ksh500 per transaction. 

How to invest in the Fixed Income Fund

One can invest by filling in their details here, and you will be guided on the next steps to undertake.

One can make free deposits via M-Pesa to Paybill 888111 using their ID number as the account number for new investors and the 5-digit member number as the account number for existing clients or through bank transfers.